Zelle^® is a fast, safe, and easy way for small businesses to send, receive, and request money typically within minutes¹. If your customers use Zelle^® within their financial institution’s banking app, they can send payments directly to your Saint Louis Bank account with just your email address or U.S. mobile number.

You can send, request, or receive money with Zelle^®. To get started, log into your Saint Louis Bank app or online banking portal.  In Online Banking, navigate to "Transfers" and select "Send money with Zelle." In our mobile app, navigate to "Payments" and select "Send money with Zelle."

To send money using Zelle^®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), enter the amount you’d like to send, and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes¹.

If the small business or consumer you send money to has already enrolled with Zelle^® through their banking app, the money is sent directly to their bank account and cannot be canceled. It’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

To receive money using Zelle^® with a small business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle^® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle^®, you will receive your money directly into your enrolled bank account.

To request money using Zelle^® with a small business account, click “Send Money with Zelle®,” select “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request.”²

If your customer is using Zelle® through their banking app, they’ll be able to pay you with Zelle®. You’ll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle® app, they will not be able to send you money with Zelle®, and you should arrange for a different payment method.

Keeping your money and information secure is a top priority. When you use Zelle^® within our mobile app or online banking portal, your information is protected with the same technology we use to keep your Saint Louis Bank account safe.

Small businesses with checking accounts enrolled in online banking can use Zelle^®.

No, Saint Louis Bank does not charge a fee to use Zelle^® with a small business account.

Your mobile carrier’s messaging and data rates may apply.

No, Zelle^® payments cannot be reversed.

You can cancel a payment only if the small business or consumer you sent money to hasn’t yet enrolled with Zelle^®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact our customer service team at (314) 851-6200 for assistance.

If you sent money to a small business or consumer that has already enrolled with Zelle^® through their bank or credit union’s mobile app or online banking, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call our customer service team at (314) 851-6200.

Neither Saint Louis Bank nor Zelle^® offers purchase protection for payments made with Zelle^®.

Please contact our customer service team at (314) 851-6200 Monday through Friday, from 9:00 am to 5:00 pm CT.

No, using Zelle^® requires that the sender and recipient's bank or credit union accounts be based in the U.S.

Whether you use Zelle^® with a business account or a consumer account, Zelle^® uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle® through their banking app don’t need to do anything different to send money to a small business. The experience is slightly different for small businesses, as small businesses cannot currently send payments to or receive payments from consumers who are only enrolled in the Zelle® app.¹

Please contact our customer service team at (314) 851-6200 Monday through Friday, from 9:00 am to 5:00 pm CT.

There are a few ways you can encourage your customers to pay you with Zelle.

• Tell customers verbally that you accept payments with Zelle^®, and that they can easily send you money right from their banking app.
• Include it on an invoice. We recommend adding "I accept payments with Zelle^®".
• Use Zelle^® to request money from your customers (which will send them a notification telling them you've requested payment with Zelle^®).²
• Download Zelle^® marketing assets for free from zellepay.com and add them to your website, social media, and more!

Please note, you’ll only be able to receive payments from consumers using Zelle^® through their financial institution’s banking app. You will not be able to receive payments from consumers enrolled in the Zelle^® app.

To use Zelle® with your small business account, log into Saint Louis Bank's online banking or mobile app and select "Send Money with Zelle®." Then, enter an email address or U.S. mobile number to connect your small business bank account.

If you already use Zelle^® for personal use, you must use a different email address or U.S. mobile phone number to enroll with your business bank account. For example, if you used example@email.com to enroll with Zelle^® using your personal bank account, you must use different@email.com to enroll with Zelle^® using your business bank account.

Saint Louis Bank limit policy here.